Budget Manager

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Editorial

Updated: February 25, 2014

Welcome to the Satoconor Budget Manager site! Now with genuine screenshot examples from one of our users reflected in the Balance and Budget pages of February 2014, which you can only see when you are not yet logged in. This free website is especially meant for people with low income, like living on a social minimum or welfare. These people, like the example user, have problems to make ends meet and need to know how much money is left after all the reoccurring periodical costs like rent, utilities, health insurance etc., in other words the money they can freely spend in the shops, on social activities etc., without bank accounts coming into red numbers. I call this money left: Daily or Monthly Budget Flexible Costs-Of-Living. (= Budget [Day] and Budget [Month] respectively in the Balance page, not to be confused here with Day COL for money you indeed spend on Costs-Of-Living each Day.) And here comes the Budget Manager into play, because it calculates the remaining Budget or the amount of money freely to spend each month or day. Moreover starting at the beginning of a month you can do progressive budgeting each day in the Balance part of this site. Then you will be up to date of your daily Budgets, Balances, Bank account and Cash! This tool is also very suitable for people that want to see how much money they saved on their Balance sheet at the end of the month. Money you can with no problems transfer to your savings account (when it is a positive figure) for a rainy day or finally buy your children these toys they want so very much. But read the Manual page first. Is also useful as a tool in combination with planning your home budget. If you find it holds water, Register (or Login) and check it out. Your data is saved indefinitely.

Site Manual

Updated: March 30, 2014

You see here a free website that calculates progressively your daily-changing budget (based on the estimate for the rest of the current month ahead) of the balance amount of fixed expenses and income. -- If you whish you can fine-tune it by adding additional overhead (besides also flexible expenses) and occasional unforseen income in the final budget sheet. -- If one consistently sustains this through the months, abnormalities will average. Across the board and in the long run it will be then more or less correct and your bank account will hopefully never come into the red. So this is not a complete accounting program, just a tool to make ends meet.

1. Register your login account.

2. Write down username and password. Keep it in a save place.

3. Login with these credentials, your personal data is password protected so nobody will be able to see it. Moreover you can use a anonymous fantasy login name.

4. Gather the papers of your periodical overhead and income.

5. Fill this in at the Balance page for the current month. When you are not yet logged in you will see here a genuine screenshot example of my own Balance page for February and March 2014 on this page, which is in European currency (euro = € => € 1.00 = $ 1.37) by the way.

6. When your finished you have a complete Balance of all your overhead and income and the Daily and Monthly Budget Flexible Costs-Of-Living (= Budget [Day] and Budget [Month] respectively).

7. TRANSFER these figures with the corresponding button to the Budget page. When you are not yet logged in you will see here a genuine screenshot example of my own progressive Budget spreadsheet for February 2014 on this page, which is in European currency (euro = € => € 1.00 = $ 1.37) by the way. Ideally you start budgeting at the beginning of the month, because then DAY # are of course the days of the month numbers! If you want to start lets say in the middle of the month, you got also to start with DAY # = 1 and you got to improvise with the day numbers, until you can start really at DAY # = 1 at the first day of that (next) month, after pressing the CLEAR button, do not forget to save your new entries. Just to be clear when you start November 23 => DAY # = 1, next day November 24 => DAY # = 2 and so on until last day of the month November 30 => DAY # = 8. You remember the DAY # = 8 Balance, transport that figure, after CLEAR and SAVE (button press) then you can start at December 1 at DAY # = 1, likely with a new BUDGET from the December forecast Balance if there are changes.

8. LOAD former entries with the corresponding button in the Budget page.

9. When you are at the very end of the month (or lets say for arguments sake you are at the very beginning of the new month) and your data is still from that (last) month you can transfer the last day Balance figure of that month to the Balance (Transport) textbox by means of the TRANSFER button, we advice you to do that once every time a month has passed.

10. Edit Daily Costs-Of-Living (Day COL), Input (Extra occasional unforseen money you recieved and not booked in the Balance), Bank (The figure in your bank account, could be negative) and the total of your Cash. You will see that the page behaves almost like an EXCEL spreadsheet.

11. You will see the daily Balance, Budget for tomorrow and the status of the Budgets for the coming days.

12. The statistics and your savings for the month, which you can transfer (+) or withdraw (-) from your savings bank account, you get when you hit the STATS button. Averages Day COL are over all filled-in days progressively and for Budget and Balance these are always 31 days averages, because some days can be under water so to speak.

13. Be careful with the TRANSFER button in combination with the SAVE button, when you accidently did TRANSFER your data is not lost yet, just do the LOAD button and the data is back. Only when you do SAVE after TRANSFER the data is gone permanently, likely you want to do that for a fresh month after first time use.

14. We made the transported content of the corresponding textboxes of the Budget page still editable, so you can experiment with the figures, be careful what you SAVE though, because there is no rollback!

15. Do TRANSFER only at the beginning of the new month, when you have finished a complete former month of the Budget spreadsheet! Otherwise you need to do this manually.

16. Now with the last filled in day (current day = This # Day) NET WORTH (balance + bank + cash) and SPENDABLE (limit + bank + cash) fields when you hit the UPDATE button, convenient at the top AND bottom of the spreadsheet.

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55 Budget Tips that can save your Life and Money

Updated: February 25, 2014

Here are some tips that I came up with in my life because I always had little money. This was because I only had occasional work for months, half years, years and longest two years in the last 15 years period and intermitted unemployment because of economic crises. These budget tips helped me in my personal finance, proper bookkeeping and money management.

1. Use this Budget Manager to balance the budget.

2. Consider more basic phone packages.

3. Don’t make impulse purchases.

4. Take cold showers.

5. Pick a better bank.

6. Plan ahead.

7. Pay off expensive debt.

8. Get rid of your car.

9. Open a savings account that earns interest.

10. Save up before quitting your job.

11. Stop drinking soda.

12. Don’t buy music. Use free services like Spotify or Pandora.

13. Coordinate with your partner.

14. Buy or rent used books and sell old books back.

15. Waste less money on food.

16. Become a better cook.

17. Live with others so you can split rent and utilities.

18. Take advantage of job benefits.

19. Reduce your tax load.

20. Never take out a loan for anything that’s unrelated to your education.

21. Make your own coffee.

22. Develop a back-up plan.

23. Give better gifts.

24. Travel for free.

25. Use this Budget Manager to do bookkeeping.

26. Stockpile supplies.

27. Cut out vices – smoking is terrible for you and expensive.

28. Pick up a few side jobs.

29. Live below your means.

30. Drink water. It’s free and better for you, anyway.

31. Sell what you no longer use or need.

32. Reduce your utility bills.

33. Take advantage of your bank's free tools.

34. Cut out expensive cable packages you don’t need.

35. Use less energy.

36. Check up on your insurance policies.

37. Negotiate, even in this economy.

38. Run some numbers.

39. Never go grocery shopping when you’re hungry.

40. Always pay bills on time to avoid late fees.

41. Choose the best credit card for you.

42. Stop using a fridge.

43. If you have a credit card, pay it off as quickly as possible.

44. Move back home with your parents.

45. Walk, use public transportation or ride a bike instead of having a car.

46. Get organized.

47. Cook big.

48. Limit the number of times you eat out monthly.

49. Get famous.

50. Automate savings.

51. Buy in bulk.

52. Invest in your career.

53. Compare prices.

54. Watch television for free.

55. Host affordable (and fun) parties.

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Balance

Updated: February 25, 2014

This is a screenshot example of the financial situation of one of our typical Dutch users. For the fully functional personal page of your own you need to be logged in. Dutch minimal income is partly by welfare and partly by allowances (as rent and health subsidies) all from the government. Money ($) is here actually in European currency (euro = € => € 1.00 = $ 1.37) by the way.

Balance

Choose a new booking month or a former month:

Enter a new booking year or a former year (4 digits):

Short description of entry (max: 10 characters):

Amount of money (max: 8 digits):

Type of Entry:

Overhead

Income

OVERHEAD Per Month

INCOME Per Month

$

$

TOTAL:

$

TOTAL:

$

Budget Flexible Costs-Of-Living (Monthly Budget):

$

Budget Flexible Costs-Of-Living (Daily Budget):

$

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Budget

Updated: April 23, 2014

This is a screenshot example of the financial situation of one of our typical Dutch users, the same one as in the screenshot of the Balance page, actually it are these transfered Budget (Day) and (Month) figures used here. For the fully functional personal page of your own you need to be logged in. The example user is on this present day (April 23) in the negative domain for Budget and Balance and for the days ahead. The user was for a certain time also in red numbers on his or her Bank account until welfare was deposited again. The reason is that this user can only spend $ 11.16 per day but he or she did on average $ 17.74 this month until now. This user got to take action, gladfully on time detected by this Satoconor budget software! Otherwise this user is in trouble! Moreover take for example # DAY = 6 the example user knows that he can spend the next day up to $ 10.62 (Budget # DAY = 7), because he or she did not spend anything that day his balance for that day became out of red numbers and positive again. This user typically withdraws all positive money from his bank account as soon as welfare is deposited and the rent is paid to do all his flexible spending in cash, this way he is aware not to spend to much and more in general of his financial situation. Money ($) is here actually in European currency (euro = € => € 1.00 = $ 1.37) by the way.

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Updated: February 25, 2014

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Updated: February 25, 2014

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